ICICI Bank Credit Card Overview:

ICICI Bank, India’s second largest bank in terms of assets, has a long and memorable history in the annals of Indian banking. An influential part of the fabled ‘Big Four’ banks in India, ICICI boasts of a competent network of 4,050+ branches, 12,642+ ATMs and presence in 20 countries worldwide (including India). Highly regarded for its brand of customer service, technologically sound procedures, transparent workings and sheer variety and popularity of the products on offer, the line of Credit Cards from this iconic bank have been well received, and regarded highly. When it comes to credit cards in India, ICICI Bank offers some of the premier options.

Why Choose ICICI Bank Credit Cards?

In terms of expertise, ICICI Bank can be called a pack-leader when it comes to credit cards in India - its promotion, user base and profitability. Why should you choose an ICICI Bank Credit Card? The following reasons summarize the advantages of subscribing to credit cards from ICICI Bank-

Variety- The range of credit cards offered by ICICI are segmented into 6 types- The Gemstone Collection, Contactless Payment Cards, Fuel Cards, Airline Cards, Unifare Metro Cards and Others. There is a credit card for everyone, and sorting for the one that best suits your needs is child’s play on the ICICI website, as well as on BankBazaar.com.

Fully Loaded Benefits- Every credit card on offer from ICICI is loaded to the brim with features and benefits. From offers on Fine Dining, Wellness, Holidays, Hotel, Airlines, Movies and such, to reward points and cashback benefits. There is something for everyone!!

Easy to Apply- Get on-board with online signup, or walk into the nearest ICICI Bank branch. The process of getting your own ICICI Credit Card is simple, transparent, fast and immensely customer centric.

Robust Customer Support- Backing this line of attractive products in its portfolio, is a competent customer support initiative. Have a query or concern? Help is a phone call, email or chat box away.

Thus, choosing a credit card from ICICI Bank puts you in line for great features and impeccable service- an awesome combination, indeed!

Features & Benefits of ICICI Bank Credit Cards:

The term ‘comprehensive’ is used very lightly these days, however, the credit card offerings from ICICI Bank are indeed, comprehensive. Rich in features, each card may address a specific demographic, or express individual needs. We shall examine the important features of the various credit cards offered by ICICI Bank in the compilation herein-

Enjoy a complimentary Provogue tie when signing up, two complimentary passes to airport lounges per quarter across India, two complimentary movies per month under the ‘Buy One Get One’ offer from BookMyShow.com.

Why Apply for an ICICI Bank Credit Card on BankBazaar?

Applying for an ICICI Bank Credit Card on BankBazaar.com offers the following unbeatable advantages-

Massively Time Saving- Check out the various features, the documentation, applying online and receiving confirmation for the same, everything happens quickly and smoothly- thanks to BankBazaar’s interactive and informative approach.

Information Oriented- From the basic terms and conditions, the facets that set your eligibility, interest rates and innumerable other details that help you make an informed decision, find everything you need, here!

Compare and Review- Compare the ICICI Bank Credit Card of your choice against other choices from the bank or other banks. Read reviews from your peers about their own credit card experiences, clear queries by contacting BankBazaar’s expert customer support team.

Simple and Transparent Application Process- No hidden charges, no red-tape, not too technical that only a rocket scientist can understand, highly interactive with quick turnaround times, active help at all stages of the application and approval process, and importantly, immense respect for your requirements and limitations.

100% Safe- Your personal information is treated with the maximum care, never shared with anyone other than ICICI and passed through robust, encrypted systems that have 0% tolerance towards malicious intent.

How to Apply for ICICI Bank Credit Cards through BankBazaar?

Applying for the ICICI Bank Credit Cards on BankBazaar is a simple 3 steps. The same are listed below-

On the BankBazaar homepage, look for the navigation panel at the top. Here, choose the second menu item, ‘Credit Cards’. A drop-down with categorization based on ‘By Bank’ is spread before you. Select, ‘ICICI Bank Credit Card’ here.

The resultant page lists all the credit cards as offered by ICICI Bank. Also displayed predominantly are the two buttons- ‘Check Eligibility’ and ‘Explore Card’. As these tags specify, the latter helps you understand the various features and benefits of the card better, while the former helps you ascertain your eligibility via a simple, interactive wizard.

The ‘Apply’ button is prominently displayed at the end of these qualification procedures. Clicking on the same will churn the wheels into motion. Your application will next be forwarded to ICICI Bank for further processing.

The applicant will receive an instant e-approval from BankBazaar.com after the successful submission of the application. Next, the bank gets in touch with you directly. You can also check the status of your application through SMS alerts and timely emails.

Eligibility and Documentation:

In order to avail any of the ICICI credit cards, the applicant must satisfy the following conditions:

He/she must be an Indian national citizen.

The applicant must not be younger than 23 years at the time of application. The minimum age for an add-on card holder is 18 years.

He/she must have a minimum monthly salary of Rs. 20,000.

If the applicant is self-employed, the minimum annual income must be not lesser than Rs.3 lakhs, as listed on the last IT returns document.

The applicant must have a clean credit record, with no obvious red flags.

After confirming upon the eligibility, the following documents need be supplied at the time of application:

Identity proof (PAN Card, Voter’s ID, DL, Aadhaar Card, etc.)

Address proof (Any official document that displays current place of residence).

PAN Card.

IT Returns and/or Salary slips for the latest 2 months.

1 Passport sized photograph.

List of ICICI Bank Credit Cards:

Credit Cards

Type

Annual Fee/ Joining Fee

ICICI Bank Coral Credit Card

Gemstone Collection

Nil / Rs.6,000

ICICI Bank Coral American Express Credit Card

Gemstone Collection

Nil / Rs.1,250

ICICI Bank Rubyx Credit Cards

Gemstone Collection

Nil / Rs.3,000

ICICI Bank Sapphiro Credit Cards

Gemstone Collection

Nil / Rs.6,000

ICICI Bank Diamant Credit Card

Gemstone Collection

ICICI Bank Coral Contactless Credit Card

Contactless Card

ICICI Bank HPCL Coral American Express Credit Card

Fuel Card

ICICI Bank HPCL Coral Visa/MasterCard Credit Cards

Fuel Card

Rs.199 / Nil

ICICI Bank HPCL Platinum Credit Card

Fuel Card

Rs.199 / Nil

Jet Airways ICICI Bank Coral Credit Cards

Airline Card

Nil / Rs.1,250

Jet Airways ICICI Bank Rubyx Credit Cards

Airline Card

Nil / Rs.2,500

Jet Airways ICICI Bank Sapphiro Credit Cards

Airline Card

Nil / Rs.5,000

British Airways Premium Credit Card Account

Airline Card

Rs.7,000 / Nil

ICICI Bank Unifare Mumbai Metro Credit Card

Unifare Metro Cards

ICICI Bank Unifare Delhi Metro Credit Card

Unifare Metro Cards

ICICI Bank Unifare Bangalore Metro Credit Card

Unifare Metro Cards

ICICI Bank Platinum Chip Credit Card

N/A

Rs.199 / Nil

ICICI Bank Instant Platinum Credit Card

N/A

ICICI Bank Coral Credit Card Against Fixed Deposit

N/A

ICICI Bank Credit Card FAQs:

How long does it take from application submission to actually receiving my credit card?

Usually, processing of a new credit card application to actual dispatch to the customer takes about 21 working days.

What is a ‘Self-Set Limit’?

This is a safety feature that helps you keep your credit card spends in check. Set a monthly spending limit on your main/supplementary card and any spends above this limit will be respectfully declined.

I just lost my card. What must I do next?

Intimate the ICICI Bank Customer Care immediately to block the card and avoid its misuse. This is a time-intensive step, hence must be hurried. Next, the bank will talk to you about a replacement card.

How long does the ‘interest free’ period last?

Customers who make payments of their total due amount before the payment due date are free of any interest charges. Thus, patrons can enjoy interest free durations from the date of purchase of a product/service till the payment due date. This usually ranges from 18 to 48 days.

What is Auto-Debit facility?

Auto debit is a convenient option that allows customers to issue standing instructions to clear their outstanding credit card bills directly from their ICICI Bank Accounts. The deducted amount could be set for the minimum due payment or total amount due. This facility helps the customers be prompt with their payments and avoid the incurred interest charges.

News About ICICI Bank Credit Cards

Maharashtra tops the list of states with the highest demand for retail loans

Maharashtra topped the lists of states with the highest demand for retail loans in the country. In the last financial year, there was increase in the demand for home loans in Mumbai. The demand for retail loans was also very high in the southern states of Tamil Nadu, Andhra Pradesh and Telangana. This information was disclosed in the report released by the Credit Information Bureau (India) Ltd (CIBIL).

The CIBIL report further talks about the growth of credit cards and home loans in the country. It also mentions that there has been a significant decrease in credit card delinquency in the fiscal year 2014-15. HDFC Bank, one of the largest private sector banks in India, saw an increase in the number of credit cards issued in the last fiscal year. This was fuelled by an increase in the demand for credit cards in Mumbai, Bangalore and Pune.

The ICICI bank platinum visa credit card is good. The credit limit offered to this card is 25000. So far I have purchased a lap top worth of 18000 for which I got some reward points. I use this card even for recharge purposes. There is nothing much special with this card as I use this card whenever I am in need of money.

I have twice applied for a credit card with ICICI Bank and they have rejected my application.I donâ??t know what was the exact reason for the rejection based on my online application.I have a Good credit score but it was not processed.I have requested for a credit limit of 1Lakh in this credit card.

I am holding a ICICI Credit card its under process. They were very much helpful in documentation process. The process was not complicated it was very simple. I am yet to get the information about the benefits on this card. Limit on this card is 30k its a complimentary card. I have given all the documents along with the personal loan. I most likely to get the card within 15 days of time.

I have a platinum credit card with ICICI Bank. The services are good. I did not get to use much of the card. I use it only for an emergency. It is a life time free card. They do have the facilities of a instant loan but I have not used those options yet. The online service is good. I can see everything of my credit card transactions, my statement online. They been giving me good offers too. Not sure on the rate of interest.

I am holding a credit card of ICICI Bank. We can use the card for all fuel transactions and in all departmental stores. I am getting offers on book my show movie ticket. I am also eligible for the fuel surcharge waiver . I am not getting any special benefit . ICICI Bank is not providing any cash back on flip kart.

I have Rubyx credit card taken from Icici bank. I use this card very rarely because they offer high interest around Rs 1500. The credit limit is also very low. I suggest the bank to reduce there interest rate.

I use my Platinum card taken from Icici bank. I use this card only for online purpose. I am totally satisfied with credit limit. The phone banking is worst.. I got to wait for 15 minutes to reach the customer service. I suggest the bank to improve their service. I used to pay the payment on time so never came across interest.

ICICI credit card is fine they were providing a personal loan based on this card. Name of the credit card is Coral Visa Its a brand new card they were not providing any gifts as such. There is no annual fee on this card only from the second year they are charging and the amount is around 99. The limit offered on this card is 75 k and there is no annual fee and joining fee.

I have a coral visa credit card with ICICI Bank. The services are good for this card. I get the movie offer of buy one get one free. The on fuel surcharge of 2.5%. There are other benefits of EMI options and there are also charges for it. The rate of interest on the card is of 13%. The annual fee is Rs. 500 and if I purchase for two lakhs this fee gets waived off.

Compare to other bank no much cash back offers are not given in the icici bank visa platinum credit card as i have the card for the past 3 years.Only we can use the card in hp petrol bunk to waive off the surcharge .Pay back points are given for the purchases. There is the annual fee for the card of Rs.500 which will be waived off in case we use the card for 50,000 rupees. Overall i am fins with the card.

My opinion about ICICI credit card is good. I am holding a Platinum credit card. It is a basic card. The major benefits are like they were providing some limit .They have not increased the limit neither, I had asked them to increase. Whenever I call them I used to get a very good response and they educate me about Internet banking and IVRS Option.

My opinion about ICICI credit card is good. I am holding a Platinum credit card. It is a basic card. The major benefits are like they were providing some limit .They have not increased the limit neither, I had asked them to increase. Whenever I call them I used to get a very good response and they educate me about Internet banking and IVRS Option.

I am holding a credit card of ICICI Bank. I have been holding this card for the past 2 years. Name of the credit card is Coral American express. It covers almost all the cities and for every rs 100 spent I used to get one bonus points however I am not getting bonus points for fuel transaction and I rather get a waiver for that.

My opinion about ICICI Bank credit card. I am not happy with the interest rate and processing fee. They were providing many offers like buy one get one movie tickets. Name of the credit card is Platinum credit card. I am very much happy with the limit offered by them which was 45k.

I have taken a balance transfer and cash on EMI on this ICICI credit card earlier. At present, they have less offers on this card. There is no annual fee on this card. There is some limitation on this card where they have not upgraded the limit, the limit offered was only 75k. I am holding this card for 15 years, not even once they have upgraded the limit. I am holding a Business card and platinum chip card and they upgrade the card on a regular basis.

They payment options provided in ICICI Bank based on the credit card service is not good.They are not helping customers and I am not using the offers available in the credit card.The limit offered was a satisfiable limit and its good to use this coral master card with ICICI Bank.

Coral credit card is very good to use but there are no much offers and benefits. Based on this credit card, ICICI bank has offered me a health insurance where they deduct amount of 250 every month. Credit limit is less so ICICI bank can increase the credit limit.

Yearly charge is applicable in ICICI bank credit card and while using the gold credit card in fuel station, 2% is being charged where it is not getting waived. No updates from the bank so far as they can give sms updates atleast. In addition to that customer service should be enhanced.

The emi conversation part is very good in the ICICI bank credit card as i have the card for just for 6 months. They also use to give 20-25% on the restaurants and cash back offers on the petrol bunks.But, the credit limit offered for the card is just 20,000 which is very less.There is no annul fee for the card but they charged the processing fee Rs.500.

The Credit limit offered by the ICICI bank is sufficient and are accepted in all stores. That is really appreciated. My opinon is to lower the interest rate in terms of annual fees and EMI conversion and to work on fuel surcharge waiver options.